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    <div class="mui-card-header"><h3>Terms of user</h3></div>
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      <div class="mui-card-content-inner">
        <p>
          To use PandaNovel services, you should read and comply with the User
          Agreement (hereinafter referred to as the "Agreement"). Please make
          sure you read it carefully and fully understand its contents,
          especially the terms exempting or limiting liability. Unless you have
          read and accepted all the terms of this Agreement, you would not be
          able to use the services provided by DreamNovel. By using the services
          of DreamNovel, you are agreeing to all the terms laid out in this
          Agreement. If you are under 18, or do not have full civil capacity,
          you should read this Agreement while being accompanied by your legal
          guardian and pay extra attention to the Minor Policy. Otherwise,
          DreamNovel shall not be liable for any adverse consequence arising
          from subsequent actions such as registration, use of the website
          services, etc., and shall have the right to terminate the Agreement
          upon learning of such information
        </p>
        <h4>1. Scope of the Agreement</h4>
        <p>
          This Agreement is entered into between you and the operator of
          DreamNovel concerning your use of DreamNovel's services. The operator
          of DreamNovel refers to the legal body responsible for the operation
          of DreamNovel. The term “User” means the user of the services and
          products of DreamNovel, and is usually referred to as “you” in this
          Agreement.
        </p>
        <h4>2. Account and Password Security</h4>
        <p>
          2.1. You need to register an account when using DreamNovel.<br />
          2.2. As a friendly reminder, you should keep your account number and
          password safe and. should quit your account after using it. DreamNovel
          shall not be liable for your stolen account or password caused by your
          negligence.<br />
          2.3. DreamNovel recommends that your password should contain at least
          three of the following four types: uppercase letters, lowercase
          letters, numbers and keyboard symbols. DreamNovel shall not be liable
          for your stolen account or password caused by weak password.
          DreamNovel shall not be liable for any loss incurred by the breach of
          account security or privacy protection which is not caused solely by
          DreamNovel.<br />
        </p>
        <h4>3. Protection of Your Personal Information</h4>
        <p>
          3.1. DreamNovel places great emphasis on the protection of your
          personal information.<br />
          3.2. You need to fill in some necessary information when registering
          an account or using the app. Unless otherwise specified by relevant
          laws and regulations, you need to fill in your real information. If
          the information you fill in is incomplete, you would not be able to
          use the app or be restricted in your use of our services.<br />
          3.3. Under normal circumstances, you can view and modify your
          information at any time. But for security and identification reasons
          (such as phone number verification service), you may not be able to
          modify the initial registration information and other verification
          information.<br />
          3.4. DreamNovel will use a variety of security technologies and
          procedures to establish a comprehensive management system to protect
          your personal information from unauthorized access, use or
          disclosure.<br />
          3.5. DreamNovel will not disclose your personal information to any
          company, organization or individual without your consent unless
          otherwise required by relevant laws and regulations.<br />
          3.6. DreamNovel attaches great importance to the protection of
          personal information of minors. If the parents (guardians) want the
          minor (especially children under the age of 10) to use the services
          provided by DreamNovel, they must apply for registration in their
          names and judge whether the app is suitable for minors. DreamNovel
          guarantees that it will not disclose user registration information and
          non-public information stored on the its platform, servers or
          databases, except in the following cases:<br />
          1) Obtain explicit authorization from the users in advance;<br />
          2) According to relevant laws and regulations;<br />
          3)According to the requirements of relevant government departments and
          judicial organs;<br />
          4) To safeguard the interests of the public;<br />
          5) To safeguard the legal rights and interests of DreamNovel;<br />
        </p>
        <h4>4. How to Use Our Services</h4>
        <p>
          4.1. Guides to Our Services<br />
          a. Unless otherwise agreed by you and DreamNovel, you agree that the
          service is for your personal and non-commercial purposes only.<br />
          b. You should use the service in the way provided or approved by
          DreamNovel. The rights obtained from this Agreement are not
          transferable.<br />
          c. You may not interfere, destroy, modify or affect the services under
          this Agreement by using plug-ins or third-party tools which are not
          authorized by DreamNovel. <br />
          4.2. Violation of the above agreements will be deemed as you having
          seriously breached the contract, in which case DreamNovel can
          terminate the service and legal relationship between the two parties,
          and any payment you make to DreamNovel will be deemed as liquidated
          damages. If the liquidated damages are not sufficient to cover
          DreamNovel's losses, DreamNovel may seek recourse from you through
          other legal channels.
        </p>
        <h4>5. Disclaimer</h4>
        <p>
          You understand and agree that DreamNovel's services are made available
          by existing technologies and conditions. DreamNovel will do its utmost
          to ensure the continuity and security of its services. However,
          DreamNovel can not foresee and prevent legal, technical and other
          risks, including but not limited to force majeure, viruses, Trojans,
          hacker attacks, system instability, third-party service defects,
          government actions and any other event that results in service
          interruption, data loss and other losses.
        </p>
        <h4>6. Equipment</h4>
        <p>
          6.1. You should understand that you will be required to prepare your
          own terminal equipment (such as computer, modulator, etc.), and bears
          the necessary fees (such as telephone charges, Internet access fees,
          etc.).<br />
          6.2. You understand and agree that your use of our services will
          consume traffic from terminal equipment and bandwidth.<br />
        </p>
        <h4>7. Advertisement</h4>
        <p>
          7.1. You agree that DreamNovel or third party advertisers may send
          advertisements or promotional messages (both commercial and
          non-commercial) to you during your use of our services in a manner
          which can be altered without notifying you.<br />
          7.2. DreamNovel fulfills its obligations to advertisers in accordance
          with the laws. You should assess the authenticity of advertising
          contents and be responsible for your own judgment. Unless otherwise
          specified by the law, DreamNovel will not be liable for any damages
          you suffer because of the aforementioned advertising contents or any
          transaction made based on those advertisements. <br />
          7.3. You agree that you should carefully assess the authenticity of
          the advertising contents appearing in DreamNovel. Unless otherwise
          specified by the law, you will be responsible for the transactions
          conducted based on the advertising contents.<br />
          7.4 .You agree that all paid services or functions will not exempt you
          from accepting the advertisements provided by DreamNovel, as this is
          how DreamNovel would be able to provide you with comprehensive
          services for our users. By using our services, you are acknowledging
          you understand and accept this rule.<br />
        </p>
        <h4>8. Billing and Top-up</h4>
        <p>
          8.1. You understand and agree that DreamNovel reserves the right to
          provide our services for free or at a cost. Our services charge users
          for online value-added service fees through a universal charging
          channel or billing method. The amount of money you deposite cannot be
          used for other products or services. After topping up, DreamNovel will
          not refund the amount which are already spent. If you wish to withdraw
          your remaining money, DreamNovel will return the money via the payment
          method selected by users, and will charge a 10% refund fee. In special
          cases where the money cannot be returned to your bound account, you
          can provide another valid account to the customer service in order to
          receive your refund.<br />
          8.2. You understand and agree that DreamNovel reserves the rights to
          determine and alter the its standard charges and rules, which will
          become effective upon publication and form a valid part of this
          Agreement. DreamNovel can change its standard charges and charging
          methods according to the actual needs, and start charging for some
          free services. Any change DreamNovel makes will be announced on the
          corresponding service page. If you do not agree to those alterations,
          you have the right to stop using our services. By continuing to use
          our services, you are agreeing to this rule.<br />
          8.3. Some of DreamNovel’s services are paid services. If you use our
          paid services, you should follow the set rules of which you will be
          notified on the relevant page. If you refuse to pay the fee, you will
          not be able to use those paid services.<br />
          8.4. DreamNovel has the rights to set its standard charges and
          charging methods. Its standard charges and charging methods may vary
          depending on different services you use and on different stages of the
          services.<br />
          8.5. DreamNovel can change its standard charges and charging methods
          according to the actual needs, or start charging for some free
          services. Any changes DreamNovel makes will be announced on the
          corresponding service page. If you do not agree to the alterations,
          you have the right to stop using our services. <br />
          8.6. The paid services provided by DreamNovel come with a one-month
          expiry starting from the date of payment, during which time you will
          have full access to the chapters you purchased. DreamNovel shall not
          be liable for any reading failure beyond the expiry date. <br />
          8.7. Deposit<br />
          8.7.1. DreamNovel's products have different virtual currencies for
          each of its products. The topping up of each product uses different
          virtual currencies and those virtual currencies are not
          interchangeable.<br />
          8.7.2. You acknowledge and understand that DreamNovel does not provide
          its platform for trading virtual currency between users. Any
          transaction of the virtual currency between users constitutes a
          violation of this agreement, and DreamNovel has the right to take
          appropriate measures to prevent this from happening without notifying
          its users.<br />
          8.7.3. You understand and agree that the money-back policy does not
          apply to the virtual currency. Once recharged successfully, the result
          can not be altered or modified. You may not request for a refund on
          the ground that your account still has virtual currency left after
          your purchase. 8.7.4. When recharging the products of DreamNovel, you
          must carefully confirm your account number and related information.
          DreamNovel shall not be liable for any adverse results induced by your
          improper operation or your ignorance of our billing method, such as
          topping up<br />v 8.7.5. If you use the third-party payment service to
          recharge, you shall abide by the agreements with the third party and
          its terms of service; in the process of using the third-party payment
          service, you shall properly keep your personal information, including
          but not limited to your bank account, password, verification code; You
          agree and confirm that DreamNovel is not responsible for any dispute
          arising from your use of third-party payment service.<br />
          8.7.6. In the event that your account is blocked/terminated due to
          violation of the terms of this Agreement, you shall not claim any
          imdemnity or compensation from DreamNovel.<br />
          8.7.7. In cases where the recharging failure is caused by the
          malfunction of DreamNovel’s billing system, DreamNovel will take
          prompt actions to remedy the situation provided that it recovers or
          still has valid user data or that user can provide legal and valid
          proof. 8.7.8. In cases where the recharge amount registered by the
          system is less than the acutal recharege amount due to the malfunction
          of DreamNovel’s billing system, DreamNovel will make up the
          difference. <br />
          8.7.9. In cases where the recharge amount registered by the system is
          more than the acutal recharege amount due to the malfunction of
          DreamNovel’s billing system, DreamNovel has the right to recover the
          difference.<br />
          8.7.10. You understand and agree that once a successful purchase has
          been made using the virtual currency in your account, the purchase
          would not be altered or modified. Without the consent of DreamNovel,
          the amount of virtual currency that you spend is non-refundable; the
          amount of virtual currency that you spend will not be refunded in
          cases of suspension or interruption of our services or the removal of
          the purchased book from DreamNovel.
        </p>
        <h4>9. Revenue</h4>
        <p>
          If you publish works (including but not limited to: novels, poems,
          book reviews, etc.) in DreamNovel, you are accepting various rewards
          or website virtual services or product rewards sent by users of this
          website for your works. After receiving the aforementioned rewards, we
          will deduct a certain channel fee (no higher than 50%) and transfer it
          to your account. By refusing to accept the rewards or refusing to
          accept the channel fee, you are refusing to accept the content and
          rules of this agreement, and as such you can not use any of the
          related services and functions such as publishing on this website. In
          order to protect the normal use of the website services and functions
          of other users, we have the right to suspend or terminate the service
          agreement and legal relationship between the two parties in addition
          to the above functions and services.
        </p>
        <h4>10. Third-Party Products or Services</h4>
        <p>
          When you use products or services provided by a third party in
          DreamNovel, in addition to complying with this agreement, you should
          also abide by the user agreement of the third party. DreamNovel and
          the third party are each responsible for possible disputes within the
          scope of the law and respective agreements.
        </p>
        <h4>11. Software</h4>
        <p>
          11.1. You may need to download some softwares while using our
          services, and for these softwares, DreamNovel gives you a personal,
          non-transferable and non-exclusive license. You may only use these
          softwares for the purposes of accessing or using our services.<br />
          11.2. In order to improve user experience and ensure the security of
          the service and the consistency of product functions, DreamNovel may
          update its software. You should update the relevant softwares to the
          latest version, otherwise DreamNovel does not guarantee that it will
          work properly.
        </p>
        <h4>12. Intellectual Property Statement</h4>
        <p>
          12.1. The copyright and trademark rights of the commercial logo used
          by DreamNovel in this service are owned by Bravanovel.<br />
          12.2. The copyright, trademark, trade secrets, other intellectual
          property rights, proprietary rights or other rights of all
          information, materials, texts, softwares, sounds, pictures, videos,
          graphics (including related software) related to the services provided
          by DreamNovel belong to DreamNovel or its rights holders, and are
          protected by relevant laws of the People's Republic of China and
          international agreements and international treaties. You may not
          modify, copy, distribute, transmit, display, perform, copy,
          distribute, authorize, create derivative works, transfer or sell any
          such information, materials, texts, softwares, sounds, pictures,
          videos or graphics without the prior authorization of DreamNovel or
          its rights holders. If you fail to comply with the above provisions of
          this clause, without damaging other rights, DreamNovel may immediately
          terminate its service to you. You must destroy any of the above
          information, materials, texts, softwares, sounds, pictures, videos,
          and charts that you have obtained. Failure to comply with this clause
          would be considered as a serious breach of this agreement and
          DreamNovel can suspend your service and terminate any service
          agreement and legal relationship with you. Any payment you make to
          DreamNovel would be considered as liquidated damages. If the
          liquidated damages are not enough to make up for DreamNovel's losses,
          Bravanovel can seek recourse from you through other legal channels.
        </p>
        <h4>13. Prohibited Conducts</h4>
        <p>
          13.1. You must abide by laws and regulations when using this service,
          and you may not use this service to engage in illegal or illegal
          activities, including but not limited to:<br />
          (1) Publish, transmit, disseminate, and store content that endangers
          national security, undermines social stability, violates public order;
          insults, slander, obscenity, violence, and any violation of national
          laws and regulations;<br />
          (2) Publish, transmit, disseminate, and store content that violates
          the legal rights of others' intellectual property rights, trade
          secrets, etc.; (3) Maliciously fabricate facts, and conceal the truth
          to mislead and deceive others;<br />
          (4) Publish, transmit, and distribute advertisement and spam;<br />
          (5) Any other act prohibited by revelant laws and regulations.<br />
          13.2. If you violate this article, the relevant state agency or agency
          may bring you a lawsuit, a fine or other sanctions, and asked
          Branovorel to give assistance. DreamNovel shall not be liable for any
          damage caused by you, and you shall make compensation according to
          law.<br />
          13.3. If DreamNovel discovers or receives reports from others that you
          post information which is in violation of this article, DreamNovel has
          the right to assess the credibility of such report and use technical
          means to remove, block or disconnect links. At the same time,
          depending on the nature of the user's conduct, DreamNovel has the
          right to take measures, including but not limited to, suspension or
          termination of our services, restricting, freezing or terminating user
          account, and pursuing legal liability.<br />
          13.4. If you violate this agreement and cause damages to any third
          party, you shall be solely responsible; you shall also compensate for
          any loss DreamNovel suffers.<br />
          13.5. Violation of this clause would be considered as a serious breach
          of this agreement and DreamNovel can suspend your service and
          terminate any service agreement and legal relationship with you. Any
          payment you make to DreamNovel would be considered as liquidated
          damages. If the liquidated damages are not enough to make up for
          DreamNovel's losses, Bravanovel can seek recourse from you through
          other legal channels.
        </p>
        <h4>14. Compliance with Local Laws and Regulations.</h4>
        <p>
          14.1. You should comply with local laws and regulations and respect
          local ethics and customs. You would be liable for any violation of
          local laws, regulations or customs.<br />
          14.2. You should refrain from any use of our services that might
          involve DreamNovel into political and public events, otherwise
          DreamNovel reserves the right to suspend or terminate its service to
          you.<br />
          14.3. Violation of this clause would be considered as a serious breach
          of this agreement and DreamNovel can suspend your service and
          terminate any service agreement and legal relationship with you. Any
          payment you make to DreamNovel would be considered as liquidated
          damages. If the liquidated damages are not enough to make up for
          DreamNovel's losses, Bravanovel can seek recourse from you through
          other legal channels.
        </p>
        <h4>15. Contents You Send and Spread and Third-Party Complaints</h4>
        <p>
          15.1. You should be responsible for the contents you send or spread
          (including but not limited to web pages, texts, images, audios,
          videos, graphics, etc.) .<br />
          15.2. The contents you send or spread should be from a legal source,
          and you should hold the copyright of the contents or have the
          authorization from the owner.<br />
          15.3. You agree that DreamNovel may use the contents you send or
          spread for the purpose of fulfilling this Agreement or providing its
          services. 15.4. If DreamNovel receives notice from the owner claiming
          that the contents you send or spread violates his or her rights, you
          agree that DreamNovel has the right to remove, block or disconnect
          links at its own discretion.
        </p>

        <h4>16. Force Majeure and Other factors</h4>
        <p>
          16.1. You understand and agree that you may encounter certain risks
          during your use of our services, such as force majeure, which may
          result in the interruption of our services. Force majeure refers to
          the objective events that are unforeseeable, insurmountable and
          unavoidable and have a significant impact on one or both parties,
          including but not limited to natural disasters such as floods,
          earthquakes, epidemics and storms, and social events such as wars,
          riots, government actions. In the above situations, DreamNovel will
          try to cooperate with the relevant authorities to remedy the
          situations. Unless otherwise required by the law, DreamNovel will not
          be liable for the losses you suffer.<br />
          16.2. To the extent permitted by law, DreamNovel is not liable for any
          interruption or obstruction of service caused by:<br />
          (1)Computer viruses, Trojans, hackers or other malicious programs;<br />
          (2)Malfunction of user’s or DreamNovel’s computer software, systems,
          hardwares and communication lines; <br />
          (3) User’s improper operation; <br />
          (4) Using our services via an unauthorized manner; <br />
          (5) Other situations that DreamNovel can not control or foresee;<br />
          16.3. You understand and agree that you may encounter risks induced by
          network information or other users. DreamNovel will not be liable for
          the authenticity, applicability or legality of any information, nor
          for any damages caused to you by any infringement. These risks include
          but are not limited to: v (1)Information that contains threats,
          slander, offensive or illegal contents from an anonymous personnel or
          an imposter;v (2)Any psychological, physical injury and economic loss
          caused or likely to be caused by misleading and deception when using
          our services; (3) Other risks caused by network information or user
          behavior;<br />
          16.4. You understand and agree that our services are not designed for
          some specific purposes, including but not limited to nuclear
          facilities, military applications, medical facilities, transportation
          and so on. DreamNovel will not be liable for any injury, property
          damage or environmental damage caused by the failure of the above
          operations.<br />
          16.5. DreamNovel has the right to deal with illegal contents at its
          own discretion. However, it is not DreamNovel's obligation or
          commitment, and DreamNovel can not guarantee those contents would be
          spotted or dealt in a timely manner.<br />
          16.6. Under no circumstances should you believe in such actions as
          borrowing money, asking for passwords or any other money-related
          online request. Before conducting any financial operations, you should
          check other person’s identity first, and pay attention to DreamNovel's
          tips on preventing fraud.
        </p>

        <h4>17. Effectiveness and Modification of this Agreement</h4>
        <p>
          17.1. By using our services, you are agreeing to this Agreement.<br />
          17.2. DreamNovel reserves the right to modify the terms of this
          Agreement when necessary. You can check the latest version of the
          Agreement on the relevant service page.<br />
          17.3. After the modification of this Agreement, if you continue to use
          the software or services provided by DreamNovel, you are accepting the
          modified Agreement. If you do not accept the modified version, you
          should stop using the its software or services.
        </p>

        <h4>19. Jurisdiction and Governing Law</h4>
        <p>
          19.1. This Agreement is signed at Guangzhou Guangdong, People’s
          Republic of China. <br />
          19.2. The signing, effectiveness, performance, interpretation and
          resolution of this Agreement shall be governed by the laws of the
          People's Republic of China (not including Conflict of Laws).<br />
          19.3. Any dispute between you and DreamNovel shall be settled through
          friendly negotiation; if the negotiation fails, you agree to submit
          the dispute to the people's court having jurisdiction over the place
          where this Agreement is signed.<br />
          19.4. The headings of this Agreement are for convenience only and have
          no actual meaning. As such, they cannot be used to interpret this
          Agreement. 19.5. In the event that the terms are partially invalid or
          unenforceable for any reason, the remaining provisions shall remain
          valid and binding on both parties.
        </p>

        <h4>20. Terms of Use for Minors</h4>
        <p>
          20.1. If you are under 18, you shall be deemed as a minor who shall
          read this agreement and use our services under the supervision and
          guidance of your guardian.<br />
          20.2. Minor users are usually inexperienced, easily confused by online
          virtual images, and courious. As such, they are prone to be
          manipulated by people with malicious intents and lack the ability to
          deal with emergencies and protect themselves. Therefore, minor users
          should pay attention to the following instructions when using our
          services so as to improve safety awareness and protect themselves:<br />
          (1) Recognize the difference between the online world and the real
          world, and avoid being addicted to the Internet, which will affect
          your daily study and life;<br />
          (2) Be mindful of your own safety when submitting personal
          information, and avoid harassments from other people with malicious
          intents; (3) Learn to use the Internet properly with the guidance of a
          guardian or a teacher;<br />
          (4) Avoid meeting strangers or participating in suspicious activities,
          lest some criminals may take the opportunities to put you in
          dangernger;<br />
          20.3. Guardians and schools should give more guidance to minors when
          they use our services. In particular, parents should care about the
          growth of their children, communicate more with their children, and
          raise their children’s awareness to online dangers. If the parents
          (guardians) want their children (especially children under the age of
          10) to use the services provided by DreamNovel, they must apply for
          registration in their names as parents (guardians) and should assess
          whether our services are suitable for their children.
        </p>

        <h4>21. Others</h4>
        <p>
          If you have any comments or suggestions about this agreement, please
          contact our customer service and we will gladly hear what you have to
          say. (end of the text)
        </p>
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